Instant ₹50 Lakh Loan Against Your Investment Portfolio

Secure substantial liquidity with a ₹50 Lakh Loan Against Securities without liquidating your portfolio. Pledge shares, mutual funds, or insurance policies to access 50%–85% LTV while retaining all ownership benefits.
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3 mins read
17-January-2026

Sometimes, life’s opportunities and challenges are just too big for small budgets. Maybe you are looking to expand your business, invest in property, handle a medical emergency, or fund a personal milestone, and a Rs. 50 lakh loan could make it happen. Now, here is the smart bit: you do not always need to sell your investments to raise that much cash. With a loan against investments, you can unlock the value of your shares, mutual funds, or insurance policies, and still keep them working for you.

Why sell your assets when they can help you borrow big and grow at the same time? Apply for a loan against securities now

ways to get Rs. 50 lakh loan against securities

Here are the most popular options for raising Rs. 50 lakh by pledging your investments:

Loan productInterest rateLoan tenure
ESOP financingUp to 15%Up to 36 months
Loan against insurance8% p.a. to 12%Up to 96 months
Loan against mutual funds8% to 12%Up to 36 months
Loan against shares8% to 12%Up to 36 months


Your investments can open doors to instant, high value funding no selling, no waiting. Explore now

Eligibility criteria for Rs. 50 lakh loan against securities

Securing a high-value loan like Rs. 50 lakh requires meeting certain conditions set by the lender. These criteria ensure that you have the capacity to repay and the assets to support the borrowing.

  • Age: Applicants must be between 21 and 90 years old.
  • Income: A stable source of income is essential whether from a salary, self-employment, or regular investment returns.
  • Employment status: You can be a salaried professional, business owner, or self-employed individual.
  • Asset ownership: You must hold eligible securities such as shares, bonds, mutual funds, or insurance policies.

60 lakh Loan

Some lenders may set a minimum investment value or require proof of a strong repayment history before approving the loan.

Looking for a higher loan amount? You may consider availing a loan of Rs. 60 lakh loan to meet your needs.

Documents required for a Rs. 50 lakh loan

To make the approval process fast and seamless, it’s important to prepare all necessary paperwork in advance.

  • Identity proof: Aadhaar, PAN, Passport, Driving License, or Voter ID.
  • Address proof: Utility bills, Driving Licence, Passport, or Aadhaar card.
  • Income proof: Salary slips, Income Tax returns, or financial statements for business owners.
  • Bank statements: Statements from the last six months.
  • Investment proof: Evidence of ownership for shares, bonds, mutual funds, or insurance policies.
  • Loan application form: Fully completed and signed according to the lender’s requirements.

For higher loan amounts, the lender may request additional documentation to verify your financial position and collateral.


How to apply for a Rs. 50 lakh loan against investments


Applying for a Rs. 50 lakh loan is straightforward if you follow the right sequence:

  1. Choose your loan type: Pick the loan product that suits your available investments.
  2. Check eligibility: Ensure you meet all the lender’s requirements before applying.
  3. Prepare documents: Keep your KYC, income, and investment proofs ready.
  4. Apply online or offline: Submit the application via the lender’s website or by visiting a branch.
  5. Pledge collateral: Share details of the securities you are willing to offer.
  6. Verification: The lender will confirm your documents and assess your investment value.
  7. Approval & disbursement: Once approved, funds are typically transferred within a few days.

Loan-to-Value (LTV): Lenders usually allow borrowing between 50% and 90% of the pledged asset’s value.

1 crore loan

Planning a bigger investment? Explore a Rs. 1 crore loan to fund your goals efficiently.

Fees and charges for Rs. 50 lakh loan against shares

When you take a Rs. 50 lakh loan against shares, the cost is not just the interest. There are a few key charges you should understand clearly:

  • Interest rate: Typically ranges between 8% to 12% per annum, depending on your portfolio, credit profile, and market conditions. 
  • Processing fee: A one-time fee of up to 4.72% of the loan amount (including taxes), charged for evaluating and setting up the loan. 
  • Prepayment charges:
    • For loans up to Rs. 5 crore, full prepayment may not attract charges. 
    • Bounce charges: Applicable if EMI or interest payment fails, usually charged per instance. 
  • Penal charges: Levied in case of delayed payments or defaults. 
  • Other charges: May include pledge-related charges, annual maintenance fees, or statutory charges like stamp duty, depending on the loan structure. 

Borrowing against your investments gives you funds while keeping your wealth secure and working for the future. Apply for LAS now

5 crore loan

Tips to increase your approval chances

Follow these steps to maximise the likelihood of securing your Rs. 50 lakh loan:

  • Keep your investment documents updated and readily accessible.
  • Maintain a good credit score to inspire lender confidence.
  • Opt for a shorter tenure if you can manage higher EMIs to save on interest.
  • Avoid applying to several lenders at once to protect your credit profile.

Things to consider before applying

Before submitting your application, keep these points in mind:

  • Compare interest rates, loan terms, and processing fees among different lenders.
  • Understand prepayment or foreclosure charges and conditions.
  • Keep an eye on your collateral value, as market changes can affect your LTV ratio.
  • Ask if the lender provides interest-only repayment options for flexibility.

Choosing the right lender and understanding terms can save you significant money and stress later on. Apply now

Conclusion

A Rs. 50 lakh loan against investments can be a powerful way to access large funds without touching your core portfolio. It’s faster, often cheaper, and keeps your long-term wealth intact. Before you apply, take the time to compare products, understand the lender’s requirements, and ensure your documents are ready. That way, you can go from application to approval in days and use your funds exactly where you need them.

Your investments are already working for you now let them open the door to Rs. 50 lakh. Apply for loan against securities today

Frequently asked questions

How to get a 50 Lakh Loan immediately?
To get a Rs. 50 lakh loan quickly, apply for a secured loan against investments like shares, or bonds. Ensure you meet the lender’s eligibility criteria, provide necessary documents, and opt for online processing for faster approval and disbursement.

What is the minimum salary for a 50 Lakh loan?
There is no minimum salary requirement to avail of a Rs. 50 lakh loan against your investments. Instead, your eligibility depends on the value and type of securities you pledge such as shares, mutual funds, or insurance policies approved by your lender. As long as your pledged investments meet the lender’s criteria, you can access funds without income-based restrictions.

What is the interest rate for a 50 Lakh Loan per month?
Interest rates for a Rs. 50 lakh loan may vary, depending on the lender and applicant profile. Monthly interest is calculated based on the annual rate, loan tenure, and repayment type. Secured loans offer lower rates than unsecured personal loans.

What is the eligibility for a Rs. 50 lakh loan?

Eligibility depends on factors such as age, income level, employment or business stability, existing liabilities, and credit history. Lenders also assess repayment capacity to ensure you can comfortably service a Rs. 50 lakh loan.    

What documents are needed to get a Rs. 50 lakh loan?

Common documents include identity proof, address proof, income documents, bank statements, and tax returns. Self-employed applicants may need business financials, while salaried borrowers submit salary slips and Form 16.

Can self-employed individuals get a Rs. 50 lakh loan?

Yes, self-employed individuals can avail a Rs. 50 lakh loan if they show stable income, consistent business performance, and proper financial records, along with a satisfactory credit score.

What are the fees and charges for a Rs. 50 lakh loan?

Fees may include processing charges, documentation fees, and applicable taxes. Some loans may also have prepayment or foreclosure charges, depending on the lender and loan terms.

How do I apply for a Rs. 50 lakh loan online?

You can apply online by filling out an application form, submitting basic details, uploading documents, and completing verification. Once approved, the loan amount is usually disbursed directly to your bank account.

Can I use a Rs. 50 lakh loan for business expenses?

Yes, a Rs. 50 lakh loan can be used for various business needs such as expansion, working capital, equipment purchase, or managing short-term cash flow requirements.

How does credit score affect my eligibility for a Rs. 50 lakh loan?

A higher credit score improves your chances of approval and helps secure better interest rates. A low score may reduce eligibility, increase rates, or require additional security or documentation.

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